Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,903Cash toward the purchase price.
Closing costs + prepaids$15,012Not just lender fees.
Before credits & paid funds$25,915The complete starting cash picture.
Estimated remaining funds due at closing
$25,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,902.93
Your down payment$10,902.93
Closing costs + prepaids$15,011.88
Total buyer cash needed$25,914.81
Remaining funds due$25,914.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$715.25
Prepaid interest, first (26 days)$1,998.14
Fees + prepaids$15,011.88
Your down payment is the seller’s equity. You take over the $448,097 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $25,914.81 is due at closing. Uses and sources reconcile at $474,011.88 each. Not a Closing Disclosure.